I'm a halifax costumer and went overdraft over £4000 in two accounts, i went in to the branch and asked to see a manager and explained to him that i cannot afford to pay £60 a month as my circumstances have changed so he offered me a fixed loan which is a lot cheaper and less charges to pay, but you have to take some proof of your earnings and expenses to make him believe that you not able to re-pay them back.

phoned Equifax today told them want to cancel and they offered me 62% off so that brought my subscription to £3.60 a month..

Hi All I been with couple mobile companies before and had some outstanding bills which i did not know until they passed my details to debt collectors, since debt collectors contacted me i have paid the credit owed to them in full. now this is effecting my credit score, as i checked my credit score i noticed that this companies show on there that the credit is cleared and shows as default. I'm asking if this is possible to remove this from my credit score if so what do i need to do. Any help is much appreciated.. Thanks in Advance Ray